1994 Mercury Capri Insurance Rates – 8 Discounts for Cheaper Quotes

Shoppers have a choice when shopping for low-cost Mercury Capri insurance. You can either waste hours driving around getting price quotes or use the internet to get rate quotes.

There is a right way and a wrong way to compare car insurance rates and we’ll show you the absolute fastest way to get price quotes for a Mercury and find the cheapest rates.

The purpose of this article is to instruct you on the best way to quote coverages and some tricks to saving. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. Drivers just need to know how to find the lowest price online.

Are you getting all your discounts?

Car insurance is not cheap, but there are discounts available that you may not know about. Some trigger automatically when you purchase, but some must be asked about prior to getting the savings. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you could save 5% or more.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less for Capri coverage than drivers with accidents.
  • Passive Restraints – Vehicles with factory air bags can qualify for discounts up to 30%.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills can save you 5% or more if you qualify.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt can save up to 15% off your PIP or medical payments premium.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Accident Waiver – A handful of insurance companies permit an accident before raising your premiums if you are claim-free prior to the accident.
  • Life Insurance – Some companies give a discount if you purchase life insurance.

It’s important to understand that some of the credits will not apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky. Any qualifying discounts will bring down your premiums.

Car insurance companies that may offer some of the above discounts may include but are not limited to:

Double check with every prospective company which discounts you may be entitled to. All car insurance discounts might not apply in your area.

Tailor your coverage to you

When choosing the right insurance coverage, there is no single plan that fits everyone. Every insured’s situation is different.

For instance, these questions can aid in determining whether or not you might need an agent’s assistance.

  • Does my insurance cover my expensive audio equipment?
  • Am I covered when driving a rental car?
  • When would I need rental car insurance?
  • Is my dog or cat covered if injured in an accident?
  • What is covered by UM/UIM coverage?
  • Does my insurance cover a custom paint job?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Don’t be fooled by advertising claims

Drivers can’t get away from ads that promise big savings by companies like 21st Century, Allstate and State Farm. They all make an identical promise that you’ll save big if you switch to them.

How do they all say the same thing?

Insurance companies have a certain “appetite” for the driver that is profitable for them. For instance, a desirable insured might be profiled as over the age of 40, owns a home, and has a short commute. Any new insured who fits that profile will get very good rates and therefore will pay quite a bit less when switching companies.

Consumers who don’t qualify for these standards will have to pay higher prices which leads to business going elsewhere. The ads state “drivers who switch” but not “drivers who get quotes” save that much money. That is how companies can truthfully make the claims of big savings.

Because of the profiling, drivers should compare as many rates as you can. You cannot predict which insurance company will provide you with the cheapest Mercury Capri insurance rates.

Auto insurance coverages 101

Understanding the coverages of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Mercury Capri.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Auto liability insurance – This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as court costs, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverages – Collision coverage pays for damage to your Capri from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, colliding with a tree, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive coverages – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from a tornado or hurricane, vandalism and theft. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical payments – Med pay and PIP coverage provide coverage for expenses for things like rehabilitation expenses, nursing services, chiropractic care and funeral costs. They are often used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Find Good Coverage for Less

People who switch companies do it for any number of reasons including lack of trust in their agent, policy non-renewal, extreme rates for teen drivers or policy cancellation. It doesn’t matter why you want to switch choosing a new company is actually quite simple.

As you restructure your insurance plan, you should never skimp on coverage in order to save money. There are a lot of situations where drivers have reduced liability limits or collision coverage only to regret that the savings was not a smart move. Your goal should be to purchase plenty of coverage at a price you can afford.

Budget-conscious 1994 Mercury Capri insurance is definitely available both online as well as from independent agents, so compare prices from both to get a complete price analysis. A few companies don’t offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

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